Get on Track

Helping you take the right track to resolving your debt problems and a fresh start for your financial future.

50 Years Experience

Assisting clients in Cincinnati and the surrounding areas for 50 years with their financial difficulty through Chapter 7 and Chapter 13 relief.

Free Consultation

Your free 15 minute initial telephone consultation will be with Attorney E. Hanlin Bavely, and you will be entitled to a conference with this attorney and not a paralegal or other staff member.

Welcome

Welcome to the web site of the Law Office of E. Hanlin Bavely, a Debt Relief Agency. Our law firm helps people struggling with debt determine their best options under the federal laws to manage their debt.

Representing clients in Hamilton, Butler, Warren, Clermont and Brown Counties, Ohio for bankruptcy filings in Chapter 7 and Chapter 13 in the United States Bankruptcy Courts in Cincinnati and Dayton, Ohio. (If you live in Hamilton, Butler, Clermont or Brown County, your case will be filed in the Cincinnati bankruptcy court and if you live in Warren County, your case will be filed in the Dayton bankruptcy court.)

He has represented clients for whom he has filed Chapter 7 or Chapter 13 bankruptcy proceedings, represented clients who have matters in the bankruptcy court as creditors or parties in interest, served as attorney for the Trustee and has additional practice areas of debtor-creditor matters and probate law.

Your free 15 minute initial telephone consultation will be with Attorney E. Hanlin Bavely, and you will be entitled to a conference with this attorney and not a paralegal or staff person. If you decide after our telephone consultation to proceed ,we will set up an office conference and I will interview you. Once I better understand your needs, I will quote a fee for Chapter 7 or Chapter 13. If a Chapter 13 proceeding is the direction you need to take, I will explain to you how you pay those fees as part of the plan and I will explain the costs which are set by the court system.

Under the 2005 Bankruptcy Abuse Prevention and Consumer Protection Act, all debtors who want to obtain relief under Chapter 7 or Chapter 13 are required to obtain a certificate of pre-bankruptcy credit counseling within 6 months of the filing to qualify for bankruptcy protection. You will also be required to obtain, generally from the same provider, a certificate evidencing you have completed a personal financial management course if the choice is Chapter 7. The cost of these certificates are between $35 - $50 each. If you are in Chapter 13, the Standing Chapter 13 Trustee provides the financial management training. A list of approved credit counseling providers can be obtained at http://www.usdoj.gov/ust/eo/bapcpa/ccde/index.htm.

In addition to completing a pre-bankruptcy credit counseling interview. Debtors must provide the law office with a full six months of proof of income plus their tax returns for the prior 2 years in order to qualify for bankruptcy protection.